Phys​ical Health and Mental Health Care Should be Treated Equally​

• Out-of-pocket costs (like co-payments and deductibles) should be the same for medical and mental health care. 
• Your health insurer must provide information about the mental health and substance use services it offers and the criteria for deciding if it is medically necessary. 
• Maryland law does not allow insurers to require pre-authorization for certain opioid treatment medications. 
• If your insurance plan denies a claim, you have the right to appeal it. 

If you don't feel your mental health or substance use services are being covered at the same level as medical services, reach out to an H-CAT member.​​​

Physical Health = Mental Health​

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​Get free help with your health coverage! ​

The Maryland Insurance Administration has a Health Coverage Assistance Team (H-CAT) to assist consumers. If you have questions or concerns about health coverage for you or your loved ones, the H-CAT staff is here for you.